Equity capital certificate ratio (parent bank)
| 31 Dec 2011 | 31 Dec 2010 | |
| ECC capital | 2,373 | 2,372 |
| Dividend equalisation reserve | 1,457 | 1,160 |
| Premium reserve | 183 | 182 |
| Unrealised gains reserve | 43 | 28 |
| A. The equity capital certificate owners' capital | 4,056 | 3,742 |
| Ownerless capital | 2,611 | 2,345 |
| Unrealised gains reserve | 27 | 17 |
| B. The saving bank reserve | 2,638 | 2,362 |
| To be disbursed from gift fund | 40 | 192 |
| Dividend declared | 190 | 285 |
| Equity ex. profit | 6,924 | 6,581 |
| Equity capital certificate ratio A/(A+B) | 60.6 % | 61.3 % |
| Average of ratio | 61.3 % | 59.7 % |
